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It can take a few days, depending on your bank. My bank has signs up that say that all deposits made before the close of business that day are credited on the next business day. One trick I learned (but haven't tried in years, so I don't know if it still works), is that if you need a little bit of the money right away ($100 or less), you can go into the bank, fill out a deposit slip, and say you want $100 cash taken out of the deposit. They give you the cash and you can just keep it as cash, or you can then make a cash deposit, which posts right away. The bank that I use now must have had an annoyingly large number of people do that, because the first $100 of all deposits gets credited right away. HTH
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